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Over the past few years, international travel insurance plans have become seemingly popular among frequent flyers. An international travel insurance plan offers protection against damages arising out of baggage loss, trip cancellation/delay, loss of passport, medical emergency in a foreign land. There are often instances when a claim is rejected. Such a situation is undesirable for any policyholder. Here is a list of things you should consider before making an international travel claim.
International Travel Documents - It is advisable to carry all the relevant travel documents while travelling abroad. If you have purchased an international travel insurance policy, it is important to carry the original policy document while travelling abroad. If you have purchased an online travel insurance plan, the policy documents are sent to your inbox via email.
Complete Information - Ensure that you submit all the relevant information correctly while sending a proposal form. Declare all your pre-existing diseases, exact date of travel and purpose of visit. Any incorrect information submitted will increase the chances of claim rejection.
Local Communication - The insurer often provides a local point of contact when you purchase an international travel insurance plan. The policy document contains the details of the local point of contact. Apart from the local point of contact, in case of an accident, also contact the insurance provider immediately. It is advisable to keep local emergency contacts on speed dial.
Local Law Authority - In case of an accidental or medical emergency, it is advisable to contact the local law authority i.e. police as soon as possible. Contact the local police station and register a complaint and report. You are required to submit a copy of the police complaint report while making an international travel claim.
Contact the Insurer - It is absolutely important to inform your insurer immediately in case of an accident. If you are heavily injured, it is advisable to let a representative intimate a claim on your behalf. A delay from your end can make the claims process more complicated. In case of delay, explain to the insurer the cause of delay with evidence.
Online Claim - The objective of purchasing an international travel insurance plan is to get immediate assistance in case of an emergency in a foreign land. Many insurers provide the facility of filing a claim online. If you have all the relevant documents, simply upload them on the claim portal and also email them to the respective department to intimate a claim. The online process is fast, convenient and hassle free. The online process ensures that the claim is settled timely.
Evidence - Keep all relevant evidence related documents ready as you will be required to submit the same at the time of filing your travel insurance claim. Evidence related documents are:
|Medical Accident & Sickness Expenses|
|Loss of Baggage|
|Delay of Baggage|
|Trip Delay/ Cancellation/ interruption/ missed connection|
|Loss of Passport|
|Accidental Death & Dismemberment|
|Financial Emergency Assistance|
In conclusion, it is advisable to purchase an international travel insurance plan if you are a frequent flyer. Claims have to be made in accordance with the procedure laid down by the insurance company for quick and hassle-free claim settlement experience.